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Privacy Policies
Schedule of Fees
Interest Rates and Interest Charges | |
Annual Percentage Rate (APR) for Purchases and Balance Transfers |
Platinum: 14.00%* - 18.00%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate. Platinum Rewards: 15.50%* -18.00%* Secured Credit Builder: 18.00% fixed rate |
Cash Advances |
Platinum: 14.00%* - 18.00%* based on your credit worthiness at the time you open the account. This APR will vary with the market based on the Prime Rate. Platinum Rewards: 15.50%* -18.00%* Secured Credit Builder: 18.00% fixed rate. |
Penalty Annual Percentage Rate (APR) and When It Applies | None |
How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances, balance transfers and convenience checks on the date they are posted to your account. |
Minimum Interest Charge | None |
For Credit Card Tips from the Federal Reserve Board |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at https://www.federalreserve.gov/creditcard |
FEES and CHARGES | |
Annual Fee | None |
Transaction Fees | Balance Transfer: None Cash Advance: None Foreign Transaction: 1% of each transaction in U.S. dollars |
Penalty Fees | Late Payment: If the payment is 7 days or more past due, you will be charged up to $25. Over-the-Credit Limit: None Returned Payment: $15.00 |
How We Will Calculate Your Balance: We use a method called “average daily balance (including purchases)”. See your account agreement for more details. The information about the costs of the cards described in this application are accurate as of January 2016. This information may have changed after that date. To find out what may have changed, call us at (626) 445-0950 or write to us at P.O. Box 660130, Arcadia, CA 91066-8042 or visit our website to view the most recent version at www.foothillcu.org. Billing Rights: Information.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are provided in your agreement.